Terms of Service
Effective Date: December 8, 2025
Financial Macros
Matt Hoskins
945 W Arabian Cir, Kaysville, UT 84037
info@financialmacros.com
1. Acceptance of Terms
By accessing or using Financial Macros' website and services, you agree to be bound by these Terms of Service. If you do not agree, do not use our services.
2. Services Provided
Financial Macros provides financial education, coaching, courses, and planning services. Matt Hoskins is a licensed certified financial planner.
3. User Obligations
You agree to:
Provide accurate and complete information
Maintain the confidentiality of your account credentials
Use services only for lawful purposes
Not share or resell access to courses or proprietary materials
4. Financial Disclaimer
The information and services provided are for educational purposes. They do not constitute specific investment advice, legal advice, or tax advice. You should consult with qualified professionals before making financial decisions. Past performance does not guarantee future results. Investments involve risk, including possible loss of principal.
5. Payment and Refunds
Payment: All fees must be paid in full as specified at the time of purchase. Prices are subject to change.
Subscriptions: Coaching programs with monthly subscriptions will automatically renew unless you cancel. You may cancel anytime, but no refunds will be provided for partial months.
6. Intellectual Property
All content, materials, courses, and resources provided by Financial Macros are protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without written permission.
7. Course and Program Access
Online Courses: Lifetime access is provided as stated, but we reserve the right to update or discontinue courses with reasonable notice.
Group Fitness and Personal Training: These are ongoing subscription services that you may cancel at any time. Cancellation takes effect at the end of the current billing period.
8. Limitation of Liability
To the maximum extent permitted by law, Financial Macros and Matt Hoskins shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services. Our total liability shall not exceed the amount you paid for the specific service.
9. Indemnification
You agree to indemnify and hold harmless Financial Macros and Matt Hoskins from any claims, damages, or expenses arising from your use of services or violation of these terms.
10. Professional Standards
Matt Hoskins maintains appropriate professional licenses and adheres to fiduciary standards and industry regulations. Services are subject to applicable laws and regulations.
11. Termination
We reserve the right to suspend or terminate your access to services for violation of these terms or for any other reason at our discretion.
12. Modifications
We may modify these Terms of Service at any time. Continued use of services after changes constitutes acceptance of modified terms.
13. Governing Law
These terms are governed by the laws of Utah, without regard to conflict of law provisions.
14. Dispute Resolution
Any disputes arising from these terms or use of services shall be resolved through binding arbitration in Utah, except where prohibited by law.
15. Contact Information
For questions regarding these Terms of Service, contact:
Financial Macros
Matt Hoskins
945 W Arabian Cir, Kaysville, UT 84037
Email: info@financialmacros.com